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Tailoring permits, ect. only exist in Achaea, I think. I know in Lusternia there's nothing like that to restrict crafting. As for magical artifacts, those tie in with PvP, as all they do is help you in combat. There are a handful of fun little ones that do other things, but they're very cheap and can be attained without spending money.
Pets would require a lot of work to get just by spending gold, but it IS possible, and I'm sure a number of people have done it.
As for a house, in Lusternia you can purchase a house, rooms, doors, ect. with nothing but gold. The only house pieces that credits are used for are special bonus things, such as an item that increases willpower regeneration in that room.
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